As the organization title implies, our sole focus is the consumer. Our founding member has witnessed, one too many times, innocent consumers getting duped by insurance companies and repair facilities into cheap, substandard, unsafe repairs, all at the expense of their family's safety and their vehicle's value. The worst part about this epidemic of peril is the root cause of it all is the lack of education amongst all: consumers, insurance representatives, and repairers. It's time to put a stop to it all. Give us a call and we will brief you on everything you need to know to prevail in such an unforeseen circumstance.
Most insurers have a provision in your automobile policy agreement - a contract - that allows for an alternative method to resolve a dispute between loss amount, whether it be amount of damages/repairs, pre-accident actual cash value, or diminution in value - this is know as the Appraisal Clause. When disputing the amount of loss or cost of repairs, the insured and the insurer shall each hire a competent, disinterested appraiser. Each appraiser will conduct their own appraisal. If the two appraisers disagree in lost amount, then each must agree to an umpire to make a final decision before the two - the umpire must also be disinterested and licensed. Whichever amount the appraisers agree to, or the amount the umpire avers, is binding between the insured and insurer. Heed, this provision is not applicable and/or beneficial to every person and scenario so give us a call for a free consultation.
When your vehicle is involved in an accident, even if you have your vehicle restored to perfect, pre-accident condition with all OEM parts and proper repair procedures, your vehicle's history report is now branded with an accident on it. The value of your vehicle will decrease exponentially after the word "Accident" is seen on the CARFAX®, which could leave you owing negative equity that was once positive when it comes time to sell your vehicle or trade it in - this is known as Diminished Value. By filing a diminution in value claim, you can help recoup some of that loss. What most people do not know is you are eligible to file this claim long after repairs are complete. If you have been involved in an accident within the last two years that was not your fault then give us a call for a free consultation.
